Private Sector BankSalaried Employeesunsecured

IndusInd Bank Indus Easy Credit

इंडसइंड बैंक इंडस ईज़ी क्रेडिट

100% paperless instant personal loan via Video KYC up to ₹5 Lakhs.

Max Loan Amount

₹25,000 to ₹5,00,000 (100% paperless digital loan)

Interest Rate

11.50% - 18.00% p.a. (digital fixed rate)

Tenure

6 to 48 months

Processing Fee

Flat ₹999 to 2.00% + GST

✦ What It Is: Product Architecture & Regulatory Scope

IndusInd Bank's instant digital retail credit product designed for salaried borrowers seeking rapid funds through an automated paperless digital journey authenticated via Aadhaar and Video KYC.

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• Capped at ₹5 Lakhs digitally; higher limits require branch intervention. • Minimum net monthly income floor of ₹20,000.

✦ Key Benefits & Features

• Disbursal within 30 minutes of video KYC completion • Zero physical paperwork or branch visits • Simplified income verification via Account Aggregator • Flexible repayment terms from 6 to 48 months.

✦ Prepayment, Part-Payment & Foreclosure Rules

NIL prepayment penalty if pre-closed after 6 EMIs.

✦ Eligibility Requirements

Salaried individuals with verified digital KYC and bank statements. Min Age: 21, Max Age: 58. Min CIBIL: 700.

Min Age21 Years

Max Age58 Years

Min Monthly Income₹20,000

Min CIBIL Score700+

✦ Documents Required

• Completely paperless (Aadhaar, PAN, and Account Aggregator fetch).

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

1. Log into IndusMobile app > Easy Credit banner. Select loan amount and tenure, complete OTP authentication.

Pathway B

New Online Applicant (Fresh Digital)

1. Visit indusind.com/easy-credit. Enter mobile number, PAN, and complete instant video KYC.

Pathway C

Branch Walk-In Application

Not applicable — STP digital product.

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (IndusInd Bank Digital Banking)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on IndusInd Bank Indus Easy Credit

How fast is Indus Easy Credit disbursed?

Within 30 minutes upon successful completion of video KYC and e-mandate registration.

Is video KYC mandatory?

Yes, video KYC is mandatory for fresh applicants to verify identity digitally.

Can I prepay the loan?

Yes, prepayment is allowed without penalty after 6 months.